Best Cashback Platforms: Get Paid to Shop Online & In-Store

Shopping's fun, but getting paid to do it? That's next-level. In 2025, cashback platforms make it easy to earn money back on everything from groceries to online hauls. Whether it's through apps, browser extensions, or credit cards, these tools turn everyday purchases into savings. This guide dives into the best cashback platforms, how they work, and tips to maximize rewards, so anyone can shop smarter and keep more cash in their pocket.

What Are Cashback Platforms and How Do They Work?

Cashback platforms reward shoppers with a percentage of their purchase back as cash, gift cards, or points. They partner with retailers, earning a commission on sales, and share a portion with users. Think of it like a loyalty program, but you're not tied to one store. Here's how different types deliver those sweet savings.

Online Cashback Websites

Websites like Rakuten and TopCashback offer cashback when you shop through their portals. Users click a link to a retailer, make a purchase, and get a percentage back, which is usually 1–10%. For example, shopping at Walmart through Rakuten might earn 2% cashback, paid via PayPal or check.

Browser Extensions for Automatic Savings

Browser extensions like Honey or Capital One Shopping automatically apply coupons and track cashback without extra steps. Install the extension, shop as usual, and watch the rewards stack up. These are perfect for folks who forget to go through cashback portals.

Cashback Credit Cards

Cards like the Chase Freedom Flex or Discover it Cash Back offer 1–5% back on purchases, often with rotating bonus categories. No portals needed, just swipe and earn. Some cards, like Capital One Quicksilver, give flat-rate cashback on every purchase.

App-Based Cashback Platforms

Apps like Ibotta or Upside reward users for scanning receipts or linking cards to track purchases. They're great for in-store shopping, like getting $0.10 back per gallon of gas with Upside. Some apps also offer bonuses for hitting spending thresholds.

Can You Use Multiple Cashback Platforms at the Same Time?

Stacking cashback is the ultimate money-saving hack, but it's not always straightforward. You can't use two cashback websites (like Rakuten and TopCashback) for the same purchase, as retailers typically credit only one platform. However, combining a cashback website with a browser extension or a cashback credit card often works. For example, use Rakuten for 3% back on an Amazon purchase, stack Honey for a coupon, and pay with a 2% cashback card. Just check terms to avoid conflicts.

The Top Cashback Platforms You Can Use Right Now

Here's a rundown of the best cashback platforms in 2025, each with unique perks for online and in-store shoppers. These tools have evolved, offering more integrations and higher rewards to keep up with shopping trends.

Capital One Shopping

Capital One Shopping stands out as a versatile browser extension that not only tracks cashback but also hunts for the best prices across the web. Users install it for free, and it works on major browsers like Chrome and Safari, automatically applying coupons at checkout and alerting you to better deals elsewhere. For instance, if you're eyeing a pair of sneakers on one site, it might notify you of a lower price at another retailer. Earnings come in the form of redeemable credits, typically 1–10% back, which can be swapped for gift cards from popular brands. With partnerships spanning thousands of stores, from Amazon to Target, it's a go-to for online shoppers. A unique twist is its price comparison tool, which has saved users millions by suggesting alternatives. In 2025, updates include enhanced AI-driven deal predictions, making it smarter at forecasting sales. Users rave about its seamless integration, often citing how it turns routine shopping into effortless savings without needing a Capital One account.

Upside

Upside focuses on everyday essentials like gas, groceries, and dining, making it a favorite for in-store savers who want to cut costs on necessities. The app, boasting a stellar 4.8-star rating from over 500,000 reviews, lets users claim offers at nearby locations, pay with a linked card, and earn cashback instantly, up to 25 cents per gallon on fuel or 8% on meals. What sets it apart is the ability to stack rewards with credit card points and loyalty programs, so you're not choosing between deals. Payouts are flexible, hitting your bank, PayPal, or gift cards anytime, with no minimum threshold nagging you. Partnerships include major chains like Shell for gas and local eateries, helping users earn an average of $290 yearly. Honestly, it's like getting paid for errands you already run, and reviewers love the quick transfers for things like family lunches or gas fill-ups. For 2025, Upside has rolled out expanded grocery integrations, allowing more personalized offers based on past purchases, which boosts earnings for frequent shoppers.

Receipt Hog

Receipt Hog turns any shopping receipt into a reward opportunity, whether from a corner store or an online giant, making it incredibly versatile for casual earners. Users simply snap photos of receipts, both paper or digital, and earn coins that build up in a virtual piggy bank, redeemable for PayPal cash, Amazon gift cards, or other perks. Bonus features include slot spins for extra coins and monthly sweepstakes for bigger prizes, adding a fun gamified element. It partners with brands like L'Oréal and Kraft for targeted bonuses, though it works at virtually any retailer without restrictions. A standout aspect is its inclusivity; no specific stores required, so it's perfect for mixed shopping habits. Payouts start at reasonable thresholds, and referring friends nets additional bonuses. In 2025, the app has introduced more referral incentives and integrated digital receipt uploads for smoother use. Users appreciate the no-fuss approach, often noting how it rewards everyday spending without extra effort, turning mundane trips into small wins.

Rakuten

Rakuten has cemented its spot as a cashback powerhouse, partnering with over 3,500 stores to offer rates from 1% to 20% on purchases ranging from fashion to travel. The process is straightforward: shop through their portal or app, and cashback tracks automatically, paid quarterly via PayPal or check. New users get a warm welcome with bonuses like $10 for first shops or extra 10% in the initial week, capped but still enticing. Its browser extension enhances usability by notifying you of deals, and stacking with coupons is encouraged. Trusted by over 15 million members with a 4.8-star app rating, it's praised for reliable payouts and vast selection, including big names like Macy's and Expedia. What makes it unique is the quarterly Big Fat Check event, where earnings feel like a payday surprise. For 2025, Rakuten has amped up travel and electronics deals, aligning with post-pandemic shopping booms, and users highlight how it amplifies savings on big-ticket items without hidden fees.

Honey

Honey excels as an automatic savings tool, primarily through its browser extension that scours for coupons and tracks cashback (dubbed Honey Gold) at over 5,000 stores. Once installed, it pops up at checkout to apply the best codes, saving time and money effortlessly. Earnings accumulate as Gold, redeemable for gift cards, and it integrates with PayPal for secure shopping. A key feature is its price drop alerts, notifying users if an item's cost falls after purchase for potential refunds. Partnerships cover giants like Amazon and Walmart, making it ideal for frequent online buyers. Privacy is a big sell, as it doesn't sell personal data, building trust among users. In 2025, Honey has enhanced its mobile app for better on-the-go deals, and while specific ratings aren't detailed, its popularity stems from seamless operation. Shoppers love how it feels like having a deal-hunting assistant, often stacking with other rewards for compounded savings.

Swagbucks

Swagbucks blends cashback with diverse earning methods, like surveys, games, and videos, creating a multifaceted rewards hub for those who want variety. For shopping, it offers 1–16% back at over 1,500 retailers, including up to 10% at Amazon or Nike, via their portal or extension. Points (SB) redeem for PayPal cash or gift cards, with bonuses for new joins like $10. Its strength lies in layering deals, so combine cashback with coupons and credit rewards for max value. Praised by outlets like The New York Times for legitimacy, it's a top pick for turning downtime into dollars. Unique in 2025 are expanded game integrations, paying for playtime on popular titles. Users earn while doing what they love, and testimonials note easy points from browser use, making it more than just a shopping tool but a comprehensive side hustle platform.

TopCashback

TopCashback guarantees the highest rates by passing 100% of commissions back to users, free of fees, across over 7,000 retailers like Nike and hotel bookings. Shop through their site, and cashback tracks within days, payable via bank, PayPal, or gift cards with up to 5% bonuses. No minimum payout adds convenience, and categories span fashion to travel. Its transparency (no deductions) sets it apart, appealing to savvy savers. In 2025, promotions include promo codes for extra boosts, though specifics vary. Members enjoy the straightforward model, often citing reliable earnings on airport parking or electronics, making it a staple for global shoppers.

Ibotta

Ibotta shines in grocery and in-store rewards, letting users browse offers, shop, and scan receipts for cashback up to $5 per item. With 50 million users, it's app-based for ease, covering online too. Payouts via PayPal or gift cards come quick, and partnerships with major brands drive personalized deals. Unique is its performance network for brands, but for users, it's about fast savings on essentials. In 2025, expansions include more loyalty integrations, enhancing value. Shoppers value the simplicity, turning weekly hauls into noticeable rebates without complexity.

MyPoints

MyPoints offers points for shopping, surveys, and games, redeemable for cash or gift cards at stores like Target. With online cashback at various retailers, it's versatile for multi-earners. Bonuses for activities add up, and its long-standing reputation builds trust. For 2025, it focuses on survey enhancements for higher payouts. Users appreciate the mix, earning beyond shopping through quick tasks, making it a well-rounded option.

Shopkick

Shopkick rewards "kicks" for in-store actions like walking in, scanning barcodes, or buying, even without purchases. Redeem for gift cards, it's fun and engaging. Partnerships with chains like Best Buy offer bonuses, and 2025 brings school-season promotions. Unique no-buy rewards suit browsers, and users enjoy gamified elements, earning on visits alone.

Pros and Cons of Cashback Platforms

Cashback platforms save money effortlessly, but payouts can take weeks, and some apps require minimums (like $20) to cash out. Always read terms to avoid surprises.

How To Choose the Best Cashback App for You

Picking the right platform depends on shopping habits. Online shoppers might lean toward Rakuten or Honey for their vast retailer networks. In-store shoppers should try Ibotta or Upside for grocery and gas rewards. If you want flexibility, a cashback credit card like Discover it works anywhere. Compare rates, payout methods, and ease of use. For instance, TopCashback's high rates suit deal-chasers, while Shopkick's no-purchase rewards fit casual earners. Test a few to see what fits your lifestyle.

Earn Without Shopping: Why Earnlab Is Different

Cashback platforms are great, but EarnLab offers a unique twist on earning rewards. Instead of tying income to spending, EarnLab lets users earn through simple tasks, offering faster and more flexible rewards.

Instant Rewards Instead of Waiting

Unlike cashback apps with 30–90-day payout delays, EarnLab delivers rewards quickly, and sometimes instantly. Complete tasks like testing apps or sharing feedback, and cash out without waiting for shopping cycles.

Multiple Reward Options: Cash, Crypto, Gift Cards

EarnLab lets users choose how they get paid: PayPal cash, Bitcoin, or gift cards. This flexibility beats many cashback platforms limited to one payout type. Plus, crypto rewards tap into 2025's digital currency trend.

Simple Tasks That Pay More Than Cashback

EarnLab's tasks, like reviewing products or referring friends, often pay more per hour than cashback rates. For example, a 10-minute task might earn $5, outpacing the $0.50 from a grocery receipt.

Frequently Asked Questions About Cashback Apps

Are Cashback Platforms Really Worth It?

Yes, especially for frequent shoppers. Even 2% back on a $100 purchase adds up over time. Combine platforms for bigger savings, but don't overspend chasing rewards.

What Is the Highest Paying Cashback Site?

TopCashback often leads with rates up to 20% at select retailers. Rates vary by store, so compare platforms like Rakuten or Swagbucks for specific purchases.

Can I Combine Cashback With Coupons or Discounts?

Usually, yes. Most platforms allow stacking cashback with retailer discounts or coupons, especially via extensions like Honey. Check terms to confirm.

How Do Cashback Platforms Make Money?

They earn commissions from retailers for driving sales, then share a portion with users. For example, a store pays Rakuten 5% per sale, and Rakuten gives users 3%. Win-win.